Gathering and providing your paperwork early in the loan application process will help ensure that your home buying experience is smooth and as stress free as possible. Providing documentation early is the number one way to prevent unpleasant surprises at closing.

FHA

Current pay stubs with at least a 30 day history
Last 2 years worth of w2's
For self employed individuals or those with rental income on schedule E's only - Last 2 years tax returns and all 1099's, schedules and attachments
Most recent 2 months worth of bank statements (all pages)
Most recent quarterly investment statements such as 401k, IRA, Stocks, Bonds
A Complete Application
Student Loan deferment documentation ~ if applicable
Proof of Child Support or Alimony Income ~ if applicable
Copy of Bankruptcy paperwork ~ if applicable


VA

Current pay stubs with at least a 30 day history or LES for Active Duty Personnel
DD-214 for Veterans or "Statement of Service" for active duty personnel
Certificate of Eligibility (we can order this for you)
Last 2 years worth of w2's
Most recent 2 months worth of bank statements (all pages)
Most recent quarterly investment statements such as 401k, IRA, Stocks, Bonds
A Complete Application
Student Loan deferment documentation ~ if applicable
Proof of Child Support or Alimony Income ~ if applicable
Copy of Bankruptcy paperwork ~ if applicable


SC State Housing Loans

Current pay stubs with at least a 30 day history
Last 2 years worth of w2's
You may be required to provide copies of your last 3 years worth of tax returns depending on which loan program and how much assistance you qualify for
Most recent 2 months worth of bank statements (all pages)
Most recent quarterly investment statements such as 401k, IRA, Stocks, Bonds
A Complete Application
Student Loan deferment documentation ~ if applicable
Proof of Child Support or Alimony Income ~ if applicable
Copy of Bankruptcy paperwork ~ if applicable


Conventional

Current pay stubs with at least a 30 day history
Last 2 years worth of w2's
For self employed individuals or those with rental income on schedule E's only - Last 2 years tax returns and all 1099's, schedules and attachments
Most recent 2 months worth of bank statements (all pages)
Most recent quarterly investment statements such as 401k, IRA, Stocks, Bonds
A Complete Application